When a company needs to settle an invoice abroad, it often faces delays and fees associated with the traditional banking system. To address this, B2B payments using stablecoins offer an efficient solution, allowing companies to make international payments quickly, with low operating costs, and without relying on intermediaries. In this article, we will share the steps for making business payments using USDT or USDC.
Identifying expenses that can be paid with stablecoins
Stablecoins like USDC or USDT maintain a 1:1 parity with the US dollar. This is a key advantage because it eliminates price fluctuations when making payments. Because they maintain a stable value, organizations can accurately forecast monthly budgets, ensuring the amount sent aligns precisely with the supplier’s invoice.
If the counterparty does not accept digital assets and requires payment in fiat currency (US dollars) to their bank account, the company can process the transaction through a B2B service provider. This intermediary receives the digital dollars and transfers the equivalent fiat currency to the recipient’s account, ensuring timely payment without requiring the recipient to change their existing collection methods.
Choosing between USDT and USDC based on the recipient
After categorizing invoices, the company must select the appropriate digital asset before paying an overseas supplier. Both USDT and USDC operate across multiple blockchains; therefore, the transfer method depends on the protocols supported by the recipient’s digital wallet. Choose between the two based on the destination platform’s compatibility—not on any difference in value, as both track the price of the US dollar.
For this reason, confirm with the counterparty which ecosystem they use to receive payments. If a supplier only accepts transfers via a specific network, the administrator must configure the outgoing payment to meet that technical requirement. When paying business expenses with USDT or USDC, this preliminary validation ensures the funds reach the correct account rather than getting trapped on an incompatible network the recipient cannot access.
Maintaining an operating balance ahead of each due date
Unlike traditional banks—which may halt or fail to process transfers on weekends and holidays—blockchain technology facilitates real-time, continuous transaction processing. The network operates 24 hours a day, 365 days a year, with no closing times. This availability lets the treasury department meet obligations by the agreed-upon due date, even if that date falls on a Sunday or a non-business day in the company’s home country.
However, this immediacy applies only when funds are moved from one digital wallet to another. If the process involves converting the asset into fiat currency for deposit into the recipient’s bank account, the time required to credit the funds will depend on the operating hours of the B2B payment provider. For this reason, the company must maintain an operating balance in advance and schedule the conversion according to the operational windows of the intermediary handling the exchange from the stablecoin to US dollars.
Reserving funds for network fees
Every transfer of digital assets incurs a fee to process and validate the transaction on the network—a mandatory requirement on the TRON network and other blockchains. A common administrative error is assuming this cost is deducted from the amount being sent in digital dollars; in reality, the fee is charged separately and in a different currency.
Fees must be paid in the native cryptocurrency of the blockchain being used, not the stablecoin being sent. For example, if you make a payment via the TRON network, the account must have an available balance in TRX. If no assets are available in that currency, the transaction will be rejected for insufficient funds.
Verify the address by sending a test transaction
Blockchain transfers are irreversible; once an order is validated and added to the network, you cannot alter or cancel its status. Unlike the traditional banking system, there are no chargebacks or a fraud department that can reverse the transaction. Consequently, sending funds to an incorrect address or an incompatible network results in the permanent loss of company assets, with no possibility of recovery or recourse.
To mitigate these risks, the treasury department must implement strict controls before paying high-value invoices. The primary recommendation is to perform a test transaction with a small amount to the recipient’s account (especially if it is the first time a payment is being made to that supplier). This verification confirms that the destination account is correct and that the supplier has actual access to the funds received. Once the counterparty confirms receipt of these funds, the remaining balance is then transferred.
Sending the proof of payment and tracking expenses
Each successfully completed transfer automatically generates a unique, auditable transaction identifier. This code serves as a receipt, proving that the funds left the company’s account and reached the agreed-upon destination. The administrator should send this identifier (or a link to the network explorer) to the supplier, along with the invoice reference. With this proof, the recipient can verify the credit and authorize the delivery of the service or goods.
To conclude the process in an organized manner, the administrative team must archive the supporting documentation for each expenditure. It is essential to keep the supplier’s invoice with the transaction identifier—including the exact amount debited, the transfer date, and, if the transaction involved a conversion to fiat currency via the B2B platform, the exchange rate applied that day.
What are your thoughts on this topic? Are there any other important aspects of paying business expenses with USDC or USDT that you are aware of?
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